:root {
  --navy: #0a1628;
  --navy-2: #102038;
  --red: #d92b3a;
  --red-dark: #b91d2c;
  --accent: #ff4d5e;
  --accent-soft: #ff6b7a;
  --orange: #ff9900;
  --text: #111111;
  --muted: #667085;
  --line: #e8edf3;
  --bg: #f7f8fb;
  --white: #ffffff;
  --header-h: 64px;
  --radius: 18px;
  --shadow: 0 18px 40px rgba(10, 22, 40, .08);
}

iframe[src*="netlify"],
iframe[id*="netlify"],
iframe[title*="Netlify" i],
iframe[title*="netlify" i],
#netlify-identity-widget,
#netlify-drawer,
[data-netlify-drawer],
[data-netlify-deploy-id],
.netlify-identity-menu,
.netlify-identity-open,
body > iframe,
html > iframe {
  display: none !important;
  visibility: hidden !important;
  pointer-events: none !important;
  width: 0 !important;
  height: 0 !important;
  opacity: 0 !important;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }
body {
  font-family: Pretendard, "Apple SD Gothic Neo", "Malgun Gothic", system-ui, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font-family: inherit; }
.wrap { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); border: 0;
}

/* Header */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 50; height: var(--header-h);
  display: flex; align-items: center;
  background: rgba(10, 22, 40, .72);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.nav-inner {
  width: min(1280px, calc(100% - 32px));
  margin: 0 auto;
  display: flex; align-items: center; gap: 18px;
}
.logo { display: flex; align-items: baseline; gap: 6px; color: #fff; flex-shrink: 0; }
.logo-ok { font-size: 19px; font-weight: 900; letter-spacing: -.4px; }
.logo-bang { position: relative; width: 12px; height: 18px; }
.logo-bang svg { position: absolute; left: 50%; bottom: 11px; transform: translateX(-50%); }
.logo-bang i {
  position: absolute; left: 50%; bottom: 0; transform: translateX(-50%);
  width: 4px; height: 4px; border-radius: 50%; background: var(--orange);
}
.logo-bank { font-size: 16px; font-weight: 800; }
.logo-lonpay { font-size: 12px; font-weight: 600; color: rgba(255,255,255,.72); margin-left: 4px; }
.nav-links { display: flex; align-items: center; gap: 2px; margin-left: auto; }
.nav-links a, .nav-links button.nav-link {
  background: none; border: 0; cursor: pointer;
  color: rgba(255,255,255,.86);
  font-size: 14px; font-weight: 600;
  padding: 8px 12px; border-radius: 8px;
}
.nav-links a:hover, .nav-links button.nav-link:hover { color: #fff; }
.drop { position: relative; }
.drop-menu {
  display: none; position: absolute; top: calc(100% + 8px); left: 0; min-width: 240px;
  background: #fff; border-radius: 14px; box-shadow: var(--shadow);
  padding: 8px; z-index: 20;
}
.drop:hover .drop-menu, .drop.open .drop-menu { display: block; }
.drop-menu a {
  display: flex; flex-direction: column; gap: 2px;
  padding: 10px 12px; border-radius: 10px; color: var(--text) !important;
}
.drop-menu a:hover { background: #f7f8fb; }
.drop-menu strong { font-size: 13px; }
.drop-menu span { font-size: 11px; color: var(--muted); font-weight: 500; }
.btn-pill {
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  height: 40px; padding: 0 18px; border: 0; border-radius: 999px;
  background: var(--red); color: #fff !important; font-weight: 700; font-size: 13px; cursor: pointer;
}
.btn-pill:hover { background: var(--red-dark); }
.menu-toggle {
  display: none; width: 40px; height: 40px; border: 0; border-radius: 10px;
  background: transparent; color: #fff; font-size: 22px; cursor: pointer;
}

/* Hero */
.hero {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: calc(var(--header-h) + 28px) 20px 64px;
  background:
    radial-gradient(ellipse at 50% 12%, rgba(217,43,58,.2), transparent 46%),
    linear-gradient(180deg, #07101c 0%, #0a1628 42%, #122445 100%);
  color: #fff; text-align: center;
}
.hero-badge {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 8px 16px; border-radius: 999px;
  background: rgba(217,43,58,.12); color: #fff;
  font-size: 13px; font-weight: 500; line-height: 1.5; margin-bottom: 22px;
}
.hero-title { max-width: 860px; margin: 0 auto 18px; }
.hero-title-light {
  display: block; font-size: clamp(26px, 3.6vw, 44px); font-weight: 400;
  color: rgba(255,255,255,.9); letter-spacing: .02em; line-height: 1.45;
}
.hero-title-bold {
  display: block; font-size: clamp(28px, 4vw, 48px); font-weight: 700; line-height: 1.45;
}
.hero-title .accent { color: var(--accent); }
.hero-subtitle {
  color: rgba(255,255,255,.85); font-size: clamp(16px, 1.6vw, 20px); font-weight: 500;
  margin-bottom: 8px;
}
.hero-subtitle-accent { color: #fff; font-weight: 800; }
.hero-desc { color: rgba(255,255,255,.6); font-size: 16px; margin-bottom: 22px; }
.hero-ctas { display: flex; flex-direction: column; align-items: center; gap: 12px; max-width: 380px; margin: 0 auto 18px; }
.hero-btn {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  width: min(240px, 100%); height: 52px; border: 0; border-radius: 999px;
  background: var(--red); color: #fff; font-size: 16px; font-weight: 700; cursor: pointer;
}
.hero-btn:hover { background: var(--red-dark); }
.hero-row { display: flex; gap: 12px; width: 100%; }
.hero-btn-ghost, .hero-btn-outline {
  flex: 1; height: 49px; border-radius: 999px; color: #fff; font-size: 15px; font-weight: 500; cursor: pointer;
  display: flex; align-items: center; justify-content: center; gap: 6px;
}
.hero-btn-ghost { border: 0; background: rgba(217,43,58,.15); }
.hero-btn-outline { background: transparent; border: 1px solid rgba(255,255,255,.22); }
.hero-trust {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 16px; border-radius: 999px;
  background: rgba(217,43,58,.08); color: rgba(255,255,255,.65); font-size: 13px;
  margin-bottom: 18px;
}
.hero-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; margin-bottom: 36px; }
.hero-chips a {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 16px; border-radius: 999px;
  color: rgba(255,255,255,.8); background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1); font-size: 13px; font-weight: 500;
}
.hero-chips a:hover { background: rgba(217,43,58,.15); border-color: rgba(217,43,58,.25); color: #fff; }
.hero-chips i { color: var(--accent-soft); }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; max-width: 860px; margin: 0 auto; }
.stats b { display: block; font-size: clamp(18px, 2vw, 22px); }
.stats b span { color: var(--accent-soft); }
.stats small { color: rgba(255,255,255,.5); font-size: 13px; }

/* Sections */
.section { padding: 72px 0; }
.section.gray { background: var(--bg); }
.kicker {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 12px; border-radius: 999px;
  background: rgba(217,43,58,.08); color: var(--red);
  font-size: 12px; font-weight: 700; letter-spacing: .04em;
  margin-bottom: 12px;
}
h2 { font-size: clamp(26px, 3.4vw, 40px); letter-spacing: -1px; line-height: 1.3; }
.lead { color: var(--muted); margin: 10px 0 28px; }

.service-hero { text-align: center; max-width: 720px; margin: 0 auto 36px; }
.service-hero .ok { color: var(--red); }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.why-card {
  background: #111c31; color: #fff; border-radius: 16px; padding: 22px 18px;
  border: 1px solid rgba(255,255,255,.08); min-height: 164px;
}
.why-card i { color: var(--accent-soft); font-size: 22px; margin-bottom: 12px; display: block; }
.why-card h3 { font-size: 16px; margin-bottom: 8px; }
.why-card p { color: rgba(255,255,255,.62); font-size: 13px; }

.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.product {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 22px;
  box-shadow: var(--shadow); display: flex; flex-direction: column; gap: 10px;
}
.product .tag {
  align-self: flex-start; padding: 4px 10px; border-radius: 999px;
  background: #fff1f2; color: var(--red); font-size: 11px; font-weight: 800;
}
.product h3 { font-size: 20px; }
.meta { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.meta div { background: var(--bg); border-radius: 12px; padding: 10px 8px; text-align: center; }
.meta small { display: block; color: var(--muted); font-size: 11px; }
.meta b { font-size: 13px; }
.checks { list-style: none; display: grid; gap: 6px; color: #344054; font-size: 13px; }
.checks li::before { content: "✓ "; color: var(--red); font-weight: 800; }
.product-actions { display: flex; gap: 8px; margin-top: auto; }
.product-actions .btn-pill { flex: 1; height: 42px; }
.btn-ghost {
  flex: 1; height: 42px; border-radius: 999px; border: 1px solid var(--line);
  display: grid; place-items: center; font-size: 13px; font-weight: 700; color: #344054;
}
.banner {
  margin-top: 22px; padding: 22px; border-radius: 18px; background: #111c31; color: #fff;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.banner p { color: rgba(255,255,255,.72); font-size: 14px; }

/* Process */
.process { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.step { background: #fff; border-radius: 18px; padding: 28px 22px; border: 1px solid var(--line); }
.step .num { color: var(--red); font-size: 28px; font-weight: 900; }
.step h3 { margin: 8px 0 6px; font-size: 20px; }
.step .time { color: var(--red); font-size: 13px; font-weight: 700; margin-bottom: 8px; }
.step p { color: var(--muted); font-size: 14px; }

/* Calculator */
.calc {
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 22px;
  background: #fff; border-radius: 24px; padding: 28px; border: 1px solid var(--line); box-shadow: var(--shadow);
}
.field { margin-bottom: 22px; }
.field label { display: flex; justify-content: space-between; font-weight: 700; margin-bottom: 10px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 10px; }
.chips button, .period button {
  border: 1px solid var(--line); background: #fff; border-radius: 999px;
  padding: 8px 12px; cursor: pointer; font-size: 13px; font-weight: 700;
}
.chips button.on, .period button.on { background: var(--red); color: #fff; border-color: var(--red); }
.period { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
input[type=range] { width: 100%; accent-color: #14b8a6; }
.calc-result {
  background: linear-gradient(180deg, #0a1628, #132445); color: #fff;
  border-radius: 20px; padding: 28px; display: flex; flex-direction: column;
}
.calc-result .pay { font-size: 36px; font-weight: 900; letter-spacing: -1px; }
.calc-result .pay span { font-size: 18px; }
.result-rows { display: grid; gap: 10px; margin: 18px 0 22px; }
.result-rows div { display: flex; justify-content: space-between; color: rgba(255,255,255,.78); font-size: 14px; }
.note { font-size: 12px; color: var(--muted); margin-top: 12px; }

/* Reviews */
.review-head { display: flex; justify-content: space-between; align-items: end; gap: 20px; margin-bottom: 22px; }
.score { font-size: 42px; font-weight: 900; }
.score small { font-size: 16px; color: var(--muted); font-weight: 600; }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.review {
  background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 22px;
  box-shadow: var(--shadow);
}
.stars { color: #f5b400; margin-bottom: 8px; }
.review p { font-size: 14px; color: #344054; min-height: 120px; }
.who { display: flex; justify-content: space-between; align-items: center; margin-top: 16px; color: var(--muted); font-size: 13px; }
.badge-row { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 10px; }
.badge-row span { background: var(--bg); border-radius: 999px; padding: 4px 8px; font-size: 11px; font-weight: 700; }

/* FAQ */
.faq { display: grid; gap: 10px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.faq-item button {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  padding: 16px 18px; font-size: 16px; font-weight: 700; display: flex; justify-content: space-between; gap: 12px;
}
.faq-item .ans { display: none; padding: 0 18px 16px; color: #475467; font-size: 14px; }
.faq-item.open .ans { display: block; }

/* SEO / table */
.seo { display: grid; gap: 22px; }
.seo-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 24px; }
.seo-card h2, .seo-card h3 { font-size: 22px; margin-bottom: 10px; }
.seo-card p, .seo-card li { color: #475467; font-size: 14px; }
.seo-card ul { padding-left: 18px; display: grid; gap: 6px; }
.table { width: 100%; border-collapse: collapse; font-size: 14px; }
.table th, .table td { border-bottom: 1px solid var(--line); padding: 12px 8px; text-align: left; }
.table th { width: 32%; color: #344054; background: var(--bg); }
.limit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 14px; }
.limit { border: 1px solid var(--line); border-radius: 14px; padding: 16px; text-align: center; }
.limit b { display: block; font-size: 22px; color: var(--red); margin: 6px 0; }

.cta-band {
  background: linear-gradient(180deg, #0a1628, #132445); color: #fff; text-align: center; padding: 56px 20px;
}
.cta-band .row { display: flex; justify-content: center; gap: 10px; margin-top: 18px; flex-wrap: wrap; }

/* Footer */
footer { background: #0a1628; color: rgba(255,255,255,.72); padding: 48px 0 28px; font-size: 13px; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 28px; margin-bottom: 28px; }
footer h4 { color: #fff; margin-bottom: 12px; }
footer a { display: block; padding: 4px 0; color: rgba(255,255,255,.68); }
footer a:hover { color: #fff; }
.legal { border-top: 1px solid rgba(255,255,255,.08); padding-top: 18px; display: grid; gap: 8px; color: rgba(255,255,255,.5); font-size: 12px; }
.rates { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 16px 0; }
.rates div { background: rgba(255,255,255,.05); border-radius: 12px; padding: 12px; }
.rates b { display: block; color: #fff; font-size: 16px; }

.page-hero {
  padding: calc(var(--header-h) + 48px) 20px 48px;
  background: linear-gradient(180deg, #0a1628, #132445); color: #fff;
}
.page-hero h1 { font-size: clamp(28px, 4vw, 42px); margin: 8px 0 10px; }
.form {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 28px;
  display: grid; gap: 14px; box-shadow: var(--shadow);
}
.form label { display: grid; gap: 6px; font-size: 13px; font-weight: 700; }
.form input, .form select, .form textarea {
  height: 46px; border: 1px solid var(--line); border-radius: 12px; padding: 0 12px; font-size: 15px;
}
.form textarea { height: 120px; padding: 12px; resize: vertical; }
.toast {
  display: none; position: fixed; left: 50%; bottom: 24px; transform: translateX(-50%);
  background: #111c31; color: #fff; padding: 12px 18px; border-radius: 999px; z-index: 80;
}

.mobile-cta {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
  padding: 8px 12px calc(8px + env(safe-area-inset-bottom));
  background: rgba(10,22,40,.94);
}
.mobile-cta a { width: 100%; height: 46px; }

@media (max-width: 980px) {
  .nav-links { display: none; }
  .nav-links.open {
    display: flex; flex-direction: column; position: absolute; top: var(--header-h); left: 0; right: 0;
    background: #0a1628; padding: 12px; align-items: stretch;
  }
  .drop-menu { position: static; box-shadow: none; background: transparent; }
  .drop-menu a { color: #fff !important; }
  .menu-toggle { display: grid; place-items: center; margin-left: auto; }
  .stats, .why-grid, .products, .process, .review-grid, .limit-grid, .foot-grid, .calc { grid-template-columns: 1fr; }
  .review-head, .banner, .hero-row { flex-direction: column; align-items: stretch; }
  .mobile-cta { display: block; }
  body { padding-bottom: 88px; }
  .hero { min-height: auto; padding-top: calc(var(--header-h) + 28px); justify-content: flex-start; }
}